浅析中国汽车金融服务体系

Superficial Analysis on China Automotive Financial Sertvice System

在欧美国家,汽车金融服务体系已较为成熟。目前,我国汽车金融服务方式主要有制造商贷款、经销商贷款和“经销商－银行－保险”三方贷款方式。中国已经入世,完善汽车金融服务体系是参与国际竞争和国民经济发展的需要。构建中国汽车金融服务体系的基本方式应是:生产厂商成立汽车金融眼务公司,银行对汽车厂商提供系列服务,由汽车集团财务公司、生产商和经销商共同投资成立专门信贷机构等。

In European and American countries, the automotive financial service system has become more mature. At present, the automotive financial services in our country are presented mainly in three loan ways of manufacturer' s loan, dealer s loan and 'dealer - bank - insurance company' loan. China has become a member of WTO, it is necessary to perfect automotive financial service system for taking part in international competition and national economy development. The basic way to construct China automotive financial service system is to set up automotive financial service company by automotive producers, provide a series of services for automotive producers by the banks or set up a special credit organization by financial companies, producers and dealers in automotive group, etc.